Why Virgin Home Building Insurance?

Why Virgin Home Building Insurance?


Save 15% on your first year's premium when you purchase Virgin Home Building Insurance online1


Get cover in minutes - with our easy online application process


Affordable and flexible cover options, with 21 day money back guarantee4


You can lodge an insurance claim online 24/7, 7 days a week or over the phone Mon to Fri 8am to 5pm, Sat 8am to 2pm (AEST)

Award Winning

Our home and contents insurance won The Mozo Experts Choice award for exceptional value5, 2 years’ running. For you, this lets you know that we will do our best to help you protect what matters at a price you can afford.


Virgin Insurance Hub - Manage your policy online 24/7

What's covered?

What's covered?

There’s no place like home. We help you keep it protected by covering you in all of the following events: 

  • Fire
  • Explosion
  • Theft or attempted theft
  • Malicious damage, vandalism, riot or civil commotion
  • Breakage of glass, ceramic and sanitary fixtures
  • Storm and rainwater
  • Lightning
  • Earthquake or Tsunami
  • Escape of liquid (e.g. pipes, drains, etc)
  • Impact at home (e.g. fallen tree/branch)


Cover limits
Repair or replacement of your home building  
Repair or replacement of your home contents
Legal liability
Up to $20 million
Temporary accommodation
Up to 10% of sum insured, up to 12 months
Debris removal and extra rebuilding costs
Up to 10% of sum insured
Funeral expenses Up to $7,000
Modifications to home Up to $5,000
Mortgage discharge costs Up to $750
Contents temporarily removed  
Contents lost or damaged in transit  
Replacement of locks and stolen keys
Unattached equipment  
Visitors’ uninsured contents  
Food spoilage  

This is a brief summary only. Conditions apply. Full details are contained in the Product Disclosure Statement (PDS).

Optional covers

Optional cover

You may need more cover to suit your situation, so we provide the following options:

  • Flood Cover
  • Motor Burnout Cover
  • Accidental Damage Cover
  • Sum Insured Safeguard

For full details on this product please see the Product Disclosure Statement (PDS).